Citizens Financial Services, Inc. operates as the bank holding company for First Citizens Community Bank that provides various banking products and services.
The bank is a full-service bank engaged in a broad range of banking activities and services…
Analysis
Hidden champion
Citizens Financial Services, Inc. is what we call a hidden champion: a strong business that the market is not pricing as one.
The price is attractive. You pay 8.0× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.
The trajectory is tepid and the balance sheet is stretched. The company scores 13/20 on our value-creation score: creating some value. Analysts lean positive.
Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.
360° rank · history
1007550250
Mar 202674
21
2026
All-time high
74
Mar 2026
All-time low
21
Jun 2026
Average rank
48
across all years
Detailed & Historical Ranks
Deep dive into 15 detailed ranks and 3 years of history.
Current202520242023
Price/Sales
81
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Price/Earnings
97
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Price/Book
90
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Dividend Yield
79
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Value (overall)
98
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Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.